International Investment Centre guide

To access your International Investment Centre account, simply follow these steps:

1. Log on to your online banking

2. Select your 'International Investment Centre account' in your list of accounts

Now you’re logged on, you can start researching our full range of funds.

Start by hovering on ‘Investing’ in the top menu to select 'Discover funds’.

There are two ways to search through the full list of funds – either by selecting Search for funds or View all funds:

1. Search for funds – either type in a keyword or pick options from the dropdowns to refine your search
2. View all funds – here you can see various types of fund information and compare the performance of up to 5 funds

Top tip: If you already know which investment fund you want to research, type in the fund name or International Securities Identification Number (ISIN) or fund name in the 'Quick search' box.

When you’re ready to invest, either for the first time or to buy more of an existing fund you hold, here's how to place a 'Buy fund' order.

1. Decide if you're looking to choose a new fund or to top-up an existing fund

To top up an existing fund:

• select 'Account summary'
• select 'My holdings'
• find the fund you want to invest in and select 'Trade'
• this will take you to the 'Fund details' page

Note: If you can’t see your fund on the International Investment Centre and it was purchased prior to 14 June 2021, it may be that we’ve been unable to move it to the new platform. Please contact us and we will advise what’s required to move the fund across and enable you to self-serve.

To choose a new fund:

• hover over 'Investing' at the top of the page and select 'Discover Funds'
• use the search function to find the fund you are interested in
• select a fund
• this will take you to the 'Fund details' page

2. Review the fund details

Here you’ll find everything you need to know, including all the documents you need to read before buying the fund. These documents can also be downloaded or printed for you to retain.

When you're ready to buy, select 'Buy' from the boxes at the top of the page and you will then be taken to 'Buy order details'.

3. Place a fund order

Enter the following information:

• order instruction: this will already be selected as 'Buy'
• investment account: this is the account where your investment will be held. If you hold sole and joint Investment accounts, select the account that you want the fund to be purchased under
• payment account: select which of your HSBC current or savings account you’d like us to take the money from - you will only see the eligible accounts you hold in the same name and currency as your investment account
• amount – enter how much you’d like to invest (min value is GBP/USD/EUR 1000)
• once you've completed your choices, select 'Preview order'

4. Review

Review the information to make sure it’s correct and check the tick box at the bottom of the page to confirm you’ve read the required documents and agreed to the terms. If you are ok to continue with the purchase, click on confirm order.

5. Confirmation

Good news, you'll see a confirmation that we've received your 'Buy' instruction.

6. What happens next?

A hold will be placed on your selected Current/Instant Savings Account for the value of the funds plus the purchase fee, until the payment has been taken to settle your trade. The trade will be placed on the next dealing cut off and will settle into your IIC account within 5 business days.

Note: Purchase fee for purchases you make ‘without advice’ is 1% of value invested. The 1% will be taken on top of the investment amount.

To track your buy order, you can click on ‘View Order Status’ at the bottom of the page or alternatively click on ‘Order Status’ at the top of the page. If you are in the International Investment Centre Homepage, you can access this section by hovering over ‘Investing’ and select ‘Discover Funds’ this will take you to the Explore Funds page, you then click on ‘Order Status’ at the top of the page.

After your purchase is fully completed, your holding will be reflected on the 'My holdings' page under 'Account summary'. This will be regularly updated with the recent fund valuation.

Instead of logging on every month to place a trade, you can set up an automatic payment to purchase the same fund for the same amount at the same time each month.

The Purchase fee for purchases you make ‘without advice’ is 1% of the value invested. The 1% will be taken on top of each regular investment amount. E.g. for a £100.00 monthly investment the fee will be £1.00 therefore the total debited from your account will be £101.00 per month.

1. Decide if you're looking choose a new fund or to buy more of an existing fund

To buy more of an existing fund:

• select 'Account summary'
• select 'My holdings'
• find the fund you want to invest in and select 'Trade'
• this will take you to the 'Fund details' page

Note: If you can’t see your fund on the International Investment Centre and it was purchased prior to 14 June 2021 it may be that we’ve been unable to move it to the new platform. Please contact us and we will advise what’s required to move the fund across and enable you to self-serve.

To choose new fund:

• go to 'Investing' at the top of the page and select 'Discover funds'
• use the search function to find the fund you’re interested in
• select a fund
• this will take you to the 'Fund details' page

2. Review the fund details

Here you'll find everything you need to know, including all the documents you need to read before setting up your regular savings plan.

When you’re ready, select 'Regular savings plan' and you'll be taken to 'Regular savings plan order details'.

3. Place a regular savings plan order

To place a regular savings plan order, enter the following information:

• regular savings plan name - enter a name that you’ll recognise. It could be linked to your investment objective, for example
• Investment account: this is the account where your investment will be held. If you hold sole and joint Investment accounts, select the account that you want the fund to be purchased under
• payment account - select which of your HSBC current or savings accounts you’d like us to take the monthly payment from
• you will only see the eligible accounts you hold in the same name and currency as your investment account
• regular savings amount - enter the amount you’d like to invest each month (minimum GBP/USD/EUR 100)
• regular savings date - select the date you’d like the payment to be taken from your account each month (this can only be set between 1st and 28th of Month)
• start month - select the month you want us to collect your first payment

Once you've completed your choices, select 'Preview order'.

4. Review

Review the information to make sure it’s correct, then check the tick box at the bottom of the page and confirm you’ve read the required documents and agreed to the terms. Click on confirm order.

5. Confirmation

Good news, you'll see a confirmation that we've set up your regular savings plan.

6. What happens next?

Each month on the day you set for your regular saver purchase to be set, a hold will be placed on your selected current/instant savings account for the value of the regular saver fund plus the purchase fee. This hold will stay in place until the payment has been taken to settle your trade. The trade will be placed on the next dealing cut off and will settle into your International Investment Centre account within 5 business days.

Each regular savings plan payment invested will appear in your International Investment Centre statements. You'll also be able to see the transactions via the 'Investment transactions' tab in the International Investment Centre.

In addition, you will receive a contract note each month when your purchase is complete, this will be sent to you either via 'My Statements' or post.

If you don't have enough money in your payment account and we can't collect a payment, we will attempt collection for a further 2 consecutive months and if we are unsuccessful your regular savings plan will be cancelled.

After your purchase is fully completed, your holding will be reflected on the 'My holdings' page under 'Account summary'. This will be regularly updated with the recent fund valuation.

If you want to rebalance the funds in your portfolio, you can sell and repurchase a different fund. 

Note: you can only use 'sell and repurchase for same currency transactions, if you want to reinvest in a different currency to your existing investment you will need to follow instruction to sell and once the sell has completed you can then buy your new fund.

There is no fee for the 'sell' instruction, however the 'execution only' fee of 1% will be applied to the repurchase, this will be shown on your bank statement as 'IIC Sale along with the S reference'

Sale and Repurchase for 'Advised' or 'Legacy' styles.

You will not be able to complete a 'sell and repurchase instruction for any funds held in the Advised or Legacy style. If you still want to proceed without advise you will need to complete a separate 'sell' instruction and then once the trade has settled, you can then complete a 'buy' instruction.

If you would like advice, please call our contact centre and we will arrange a suitable time for you to be called by your Relationship Manager or Wealth Adviser.

1. Find the fund

• select 'Account summary'
• select 'My holdings'
• find the fund you want to switch from and choose 'Trade'
• this will take you to the 'Fund details' page

Note: If you can't see your fund on the International Investment Centre and it was purchased prior to 14 June 2021, it may be that we’ve been unable to move it to the new platform. Please contact us and we will advise what's required to move the fund across and enable you to self-serve.

2.  Place an order

Select 'Sell and Repurchase' from the boxes at the top of the page and enter the following information into the 'Sell and Repurchase order details' page:

• order instruction - this will be selected as 'Sell and Repurchase'
• investment account - this displays the account where your fund is held. If you hold sole and joint Investment accounts, select the account that you want the fund to be sold from
• investment style of the holding you want to sell - depending on how the fund was purchased you may have up to 4 investment styles (Execution Only, Guided, Advised One off or Legacy) you need to select the investment style of the funds you want to sell to ensure you are selling the right one. If you want to sell all of them, you will need to complete this process for each investment style you hold the funds under (for more information on investment styles please go to the 'Help Section' within the IIC Platform).
• quantity/amount: if you are looking to sell your total holding this must be done by selecting 'Units' and then select 'Sell All' or you can also enter 100% in the percentage field. If you want to sell part of your holding you can do this by selecting 'Value' and the currency of your fund from the dropdown list and enter the amount you wish to sell. Alternatively you can enter the quantity of units or the 'Percentage' of Units you wish to sell.
• repurchase: either enter the fund name or ISIN code or use the 'Search for funds' option and select the fund you want to purchase
• fee charge account - select the account you want the repurchase fee to be taken from - you will only see the eligible accounts you hold in the same name and currency as your investment account

Once you've completed your choices, select 'Preview order'.

3.  Review

Review the information to make sure it's correct, then check the tick box at the bottom of the page and confirm you've read the required documents and agreed to the terms. Click on confirm order.

4. Confirmation

Good news, you'll see a confirmation that we've received your instruction.

5. What happens next?

A hold will be placed on the account you select the fee to be taken from for the fee amount only. This is the only part of the Sell and Repurchase trade that will be visible on your selected eligible bank account.

Sell and Repurchase trades may take longer than a buy trade because we need to sell units from the existing fund before we can purchase units into the new fund.

Within one business day of settling your repurchase trade, you'll receive a contract note via the 'My Statements' section on your online banking or sent out by post.

To track your Sell and Repurchase order, you can click on 'View Order Status' at the bottom of the page or alternatively click on 'Order Status' at the top of the page. If you are in the International Investment Centre Homepage you can access this section by hovering over Investing and select 'Discover Funds', this will take you to the Explore Funds page, you then click on Order status at the top of the page.

Part of using the International Investment Centre means you can decide which funds you want to sell and when.

1. Find the fund

• select 'Account summary'
• select 'My holdings'
• find the fund you want to sell and click 'Trade'
• this will take you to the 'Funds details' page

Note: If you can't see your fund on the IIC and it was purchased prior to 14 June 2021 it may be that we've been unable to move it to the new platform, please contact us and we will advise what's required to move the fund across and enable you to self-serve

2. Place an order

Select 'Sell' from the boxes at the top of the page and enter the following information into the 'Sell order details' page:

• order type: this will be selected as 'Sell'
• investment account: choose your Investment Account. If you hold sole and joint Investment accounts, select the account that you want the fund to be sold from.
• investment style of the holding you want to sell: depending on how the fund was purchased you may have up to 4 investment styles (Execution Only, Guided, Advised One off or Legacy) you need to select the investment style of the funds you want to sell to ensure you are selling the right ones. If you want to sell all of them, you will need to complete this process for each investment style you hold the funds under
• settlement account: select the account you want the funds to be paid into
• you will only see eligible accounts in the same names and currencies as the investment you are looking to sell
• quantity/amount: if you are looking to sell by units you have the option to either enter the quantity of units, the 'Percentage of holdings' or 'Sell all'. If you want to sell by amount, select the currency option from the drop down and enter the amount you want to sell

Note: If you want to 'sell all' this must be done by selecting 'Units' and 'sell all'

3. Review

Review your order to make sure it is correct then check the tick box at the bottom of the page to confirm that you have understood the risk associated with the fund and that you have not received any advice. And click confirm order.

4. Confirmation

Good news, you'll see a confirmation that we've received your instruction to sell your funds.

5. What happens next?

Within one business day of selling your funds, you'll receive a contract note via the 'My Statements' section on your online banking or sent out by post.

The proceeds of the sale will be paid to your selected Current/Instant Savings Account within 5 business days of us receiving your sell order.

To track your Sell order, you can click on view order status at the bottom of the page or alternatively click on order status at the top of the page. If you are in the International Investment Centre Homepage, you can access this section by hovering over 'Investing' and select 'Discover Funds' this will take you to the Explore Funds page, you then click on 'Order status' at the top of the page.

You cannot change the amount you invest however you will be able to change the collection date or the account the payment is taken from. If you want to change the amount of the savings plan you will need to cancel this plan and set up a new plan with the new amount you want to invest.

Changes to your collection date or the account you want to make payment from can be made at any time up until the collection date.

1. Once you're logged on, hover over 'Investing' at the top of the page, then select 'Regular savings plan'. On this page, you'll see a list of all the regular savings plans you have in place, along with details of their status ('Active' or 'Terminated') and your past payment history.
2. Select the down arrow next to the plan name on the left-hand side of the page. You'll see 'Modify' and 'Terminate' buttons.
3. Select the relevant button and follow the steps on screen.

Modify: 

Payment account - you will be able to amend the account that the payment is coming from (as long as you hold another eligible same name and same currency account)

Regular savers date - you can also change the regular savings date. 

Once you have made the changes click on confirm modification.

Terminate: you will be taken to a Verify plan termination you need to check the tick box to agree to termination of the plan and click on confirm termination

4. You'll see a confirmation page confirming your regular savings plan has been modified or cancelled. You will also receive a confirmation either via the 'My Statements' section on your online banking or by post.

If your plan was set up when you received financial advice from us or is associated with certain types of product that have been discontinued, you won't be able to amend your plan online. If this is the case, give us a call and we can help you over the phone instead.

You can transfer in existing funds, held with another nominee/custodian or held in your own name directly with the fund provider to HSBC, providing we offer the same fund in the same currency and you already hold an eligible Current/Instant Savings account with HSBC Expat. This Current/Instant Savings Account must mirror the existing ownership of the fund(s) for example held in your sole name or joint names and same currency.

To check if we offer the same fund you will need to open an International Investment Centre account (if you do not have one already) and search for the fund, see 'How to Research'. If the fund is available in the International Investment Centre, we can support you with transferring it into your International Investment Centre account.

To initiate the transfer, you can send this to us either in writing or via secure email from your online banking. Please ensure you provide us with the following information:

• International Investment Centre account number
• fund name
• ISIN number
• number of units / shares
• full name of all Fund owners (maximum 2 people)
• confirm there is no change in the fund ownership
• current nominee name / nominee email address / contact name

The written instruction would need to include physical signature(s) from all owners of the fund. Send the instruction to HSBC Bank plc. Wealth Business Services, HSBC House, The Esplanade, St Helier, Jersey, JE1 1HS.

It may take up to 6 weeks to complete a transfer in or out of our nominee/custodian.

If you want to transfer your existing holding with HSBC out as a stock transfer to another nominee/custodian or hold it directly with the fund provider (if permitted), you will need to check with your new nominee/custodian that they can accept the transfer or are willing to register the fund in your own name.

If they agree, you will need to instruct them to start their transfer in process.

Subject to your new provider accepting your transfer request they will contact us and once we verified the request it will normally take up to 30 days to re-register to the new provider subject to their requirements being met.

To help speed up this process, please advise us by email to wealth.business.services@hsbcib.com of your intention to transfer your funds out to a new provider including the following information:

• International Investment Centre account number
• fund name
• ISIN number
• number of units / shares
• full name of all Fund owner(s)
• intended nominee/custodian name, their email address and a contact name

You can transfer all or part of the funds held within your International Investment Centre Account.

You can change the ownership of your funds held within our nominee either from sole to joint or joint to sole names (we can only hold funds in a maximum of 2 person's names) The process to do this is detailed below:

Ensure you hold a same name/same currency eligible bank account with HSBC Expat in the name(s) you want the investment to be changed to.

You will also need to have, or apply for, an IIC account in the same name(s).

Once you have this in place you will need to call our contact centre who will be able to take your initial instruction and arrange for the information to be sent to you in order for you to change the ownership to joint.

Once the instruction has been completed you will see the changes to your holding reflected within your International Investment Centre account(s).

Note: No contract note is issued in these instances.

Valuations will be produced automatically twice a year to cover periods between 1 January to 30 June and then 1 July to 31 December. These will be created on 1 July and 1 January and will be available for you to view in line with the preferences you have in place for your bank statements, so if you receive these via Online banking you will see these in 'My Statements' and if you still receive statements by post your valuations will be sent to you by post.

Note: They will be available in 'My Statements' on the next working day post 1 July and 1 January.

If you want to make changes to how you receive your statements, you can do so by calling our contact centre and they will update your statement preferences.

If you want to change the frequency, you can call our contact centre and ask for this to be changed, we can amend the frequency to either monthly or quarterly.

If you want to see information on your investments for a specific period of time you can do this within the International Investment Centre by going into 'Investment transactions' and entering a date range (within the last 2 years). You can also export this summary should you wish to.

If you require an exceptional statement to be sent you will need to call our Contact Centre and request this. Please do consider the need for this if you are expecting a statement shortly that will support your requirements.

Some funds provide income distribution pay-outs. The International Investment Centre automatically defaults these payments to be reinvested, however you will see the payment go into your account and then it will be taken back out and reinvested into that fund holding.

If you would prefer that your dividend income is taken in cash rather than reinvested, we can arrange this for you but it's important for you to be aware that this would apply across all funds you hold within the International Investment Centre platform and cannot be done on fund by fund basis.

To arrange for your dividends to be taken as cash (or if you have previously requested this change and want to change back to automatic reinvestment), please call our Contact Centre and advise them to change your preferences.

Note : If you hold sole and joint International Investment Centre accounts, you will need to advise if you want this change to be applied to both trading accounts or if not, which one you want this to be applied to.

If you have another question, you can log on to your International Investment Centre account, select the '? Help' button to find our Frequently Asked Questions and a handy glossary.

If you'd like more information about your International Investment Centre account, you can read the Investment and wealth services and terms and HSBC Bank Plc Jersey Branch Execution Policy (PDF). 

Or, if you still have a question or need help from our team, get in touch with us.